It doesn’t matter what industry you work in – accidents happen. In an office, it could be something as simple as an employee straining their back lifting a box filled with paper. On a construction site, any accidents are likely to be more severe. Workers compensation is designed to protect both your business and your employees. It provides both wage replacement and a host of medical benefits for any employees who are injured at the workplace.
In most states, including Massachusetts, Workers Comp coverage is mandatory – even if you only have one part-time employee. If you don’t have workers compensation, your company may be liable for any injuries your employees sustain. This means you could be sued and forced to pay for any medical services they may need, pay for rehabilitation and their wage replacement, and a variety of other things. This could bankrupt you or your business. By having Workers Compensation, you don’t have to worry – you can keep your business running even if there’s an accident. Workers Compensation also protects your employees for the same reason; they know they’re covered if there’s an accident, and they know if one of their fellow employees is injured, there’s no risk of the business going bankrupt and them losing their job. BTW – paying a “helper” cash does not relive you from the requirement to carry Workers Comp coverage.
At Aronson Insurance, we take the time to speak with you and learn about your business. We recognize there isn’t a ‘one size fits all’ solution to Workers Compensation. Rather, we work with you to figure out a unique plan that’s designed to protect both your employees and your assets. We will provide timely guidance and personalized support to help you with all of your insurance needs.
If you want to hear more, call us today at 617-965-3030.